---
schema_version: "secwatch.filing_event.v1"
accession: "0001849867-25-000020"
form_type: "8-K"
ticker: "CLST"
cik: "0001849867"
company_name: "Catalyst Bancorp, Inc."
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:33:51.442846+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Catalyst Bancorp reports Q3 net income of $489K, down from $521K in Q2; loans decline 2%

## Summary
- Net income $489k vs $521k in Q2; NPAs $1.9M (0.67% of assets).
- Loans $164.8M, down 2% from Q2 due to $4.6M construction loan payoff; C&I classified $2.1M.
- Deposits $186.4M, up 2% driven by high-yield specials; loans-to-deposits 88%.
- Net interest margin 3.88%, down 10 bps; purchased $16.2M securities at 5.17% yield.
- Repurchased 13,212 shares at avg $12.93; total repurchases 1.16M shares (22% original).

## SEC filing metadata
- accession: 0001849867-25-000020
- form_type: 8-K
- ticker: CLST
- cik: 0001849867
- company_name: Catalyst Bancorp, Inc.
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1849867/000184986725000020/0001849867-25-000020-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1849867/000184986725000020/clst-20251023x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001849867-25-000020
- JSON: https://secwatch.observer/filing/0001849867-25-000020.json
- Plain text: https://secwatch.observer/filing/0001849867-25-000020.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.